OUR KEY FEATURES AT A GLANCE
We will cover hospital accommodation expenses with no limit on room rent, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, drugs, and consumables up to the sum insured.
You may incur some expenses before you are hospitalized, like doctor’s fees, pharmacy-related expenses, or diagnostic tests. All such costs will be covered by us for up to 60 days before your hospitalization.
After you get home from the hospital, there are still many expenses to be taken care of, like consultation fees, diagnostic tests, pharmacy-related costs among other things. We will cover such expenses related to your hospitalization up to 90 days after your discharge.
INPATIENT HOSPITALISATION FOR AYUSH COVER
We will cover in-patient medical expenses up to the limit of Sum Insured towards non-allopathic treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy for hospitalization arising due to accident or illness undertaken in a government hospital or government recognised institute.
You might need to be hospitalized for less than 24 hours for certain procedures like dialysis, radiation therapy, cataract surgery among others. We will cover the cost of such procedures up to the sum insured.
NON – MEDICAL EXPENSES COVER
Covers your Non-Medical items expenses incurred during hospitalization arising out of disease/illness or
injury. This cover is available subject to claim being admissible under the Inpatient hospitalization and or Day Care Treatment under ManipalCigna Super Top Up policy.
List of Non-payable items listed under Annexure III of policy terms & condition.
We understand the need for emergency ambulance service; should you need immediate assistance, we will cover the ambulance expenses (as per actuals) every time you get hospitalized.
For situations like an organ transplant, the medical expenses incurred for the in-patient hospitalization of the donor is also covered up to the sum insured.
REDUCTION IN PRE-EXISTING DISEASES WAITING PERIOD
We will reduce the waiting period for PED from 48 months to 24 months from the date of inception of first policy with us under this benefit.
CRITICAL ILLNESS ADD-ON
Persons between 18 to 65 years can opt for Critical Illness cover as add-on benefit. We will give a lump sum amount upto base Sum Insured in case of first diagnosis of the covered critical illnesses. In case of a family floater policy, once a claim has been paid for a critical illness under this benefit we will provide for 100% reinstatement of Sum Insured once during the lifetime of the policy for the other person covered.
ManipalCigna Health Insurance Company Ltd (Formerly known as CignaTTK Health Insurance Company Limited) | CIN U66000MH2012PLC227948 | IRDAI Reg. No. 151
Reg. Office: 401/402, 4th Floor, Raheja Titanium, off. Western Express Highway, Goregaon (East), Mumbai- 400 063 | Toll free number – 1800-102-4462 | Website address – www.manipalcigna.com
Trade Name / Trade Logo belongs to MEMG International India Private Limited and Cigna Intellectual Property Inc. and is being used by ManipalCigna Health Insurance Company Limited under license. For more details on risk factors, terms and conditions, please read the sales brochure/ sales document available on our website (Download section) before concluding a sale. ManipalCigna Super Top Up UIN: MCIHLIP20081V011920. Launch Date: 4th December 2019.